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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $14,439 | $56,484-74.4% | $169,452-91.5% | $64,173-77.5% |
| Participation rate | 74.1% | 64.5%+9.5pp | 77.8%-3.7pp | 69.6%+4.5pp |
| Annual return | -5.57% | -1.55%-4.0pp | 1.83%-7.4pp | 7.63%-13.2pp |
| Employer contribution / active EE | $2,046 | $1,832+11.6% | $4,157-50.8% | $2,381-14.1% |
| Participant deferral / active EE | $2,312 | $3,448-32.9% | $5,277-56.2% | $3,470-33.4% |
| Admin fee / account holder | $483 | $4,174-88.4% | $9,110-94.7% | $4,887-90.1% |